C
Southwest Heritage Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Southwest Heritage Bank
Scottsdale, AZ
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Rating C
Asset Quality Index 4.90
Capitalization Index 10.00
Liquidity Index 0.80
Profitability Index 3.80
Stability Index 6.00
Company Info Southwest Heritage Bank
Scottsdale, AZ
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FDIC Number 29087
Phone Number (480) 253-4500
Website www.swhbank.com
Asset Quality Southwest Heritage Bank
Scottsdale, AZ
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1-Year Asset Growth -4.25%
5-Year Asset Growth 26.51%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans -0.59%
Non-Performing Assets to Assets 1.03%
Non-Performing Loans to Capital 7.49%
Non-Performing Loans to Loans 1.73%
Balance Sheet Southwest Heritage Bank
Scottsdale, AZ
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Total Assets 895.65M
Total Deposits 762.88M
Capital and Reserves Southwest Heritage Bank
Scottsdale, AZ
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Capital 116.15M
Leverage Ratio 12.26
Loan Loss Reserves to Loans 1.41%
Risk-Based Capital Ratio 15.54
Liquidity Southwest Heritage Bank
Scottsdale, AZ
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Hot Money Ratio 19.65%
Liquidity Ratio 12.53%
Profitability Southwest Heritage Bank
Scottsdale, AZ
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5-Year Return on Average Assets 0.30%
Net Income 7.14M
Net Interest Spread 3.71%
Operating Profit to Average Assets 1.31%
Overhead Efficiency Ratio 77.44%
Return on Assets 1.02%
Return on Equity 8.62%